Stop Waiting for “The Right Partner” to Build the Life You Want

You’ve probably heard it—maybe even said it yourself:

“I could’ve reached my financial goals by now if I was in a relationship.”

Even the most independent women fall for this idea. Not because we’re weak, but because we’ve been told—over and over—that a man is a plan.

From childhood, we’re sold the same story: financial stability, home ownership, big adventures, and even retirement will be easier if we’re partnered. The subliminal comfort patriarchy offers is, “Don’t worry—someone will take care of it.”

But here’s the truth: waiting for someone else to make your life easier often costs more than it pays—financially, emotionally, and in missed opportunities you could have taken years ago.

The Myth vs. the Math

We’ve been conditioned to believe marriage is the main path to stability, but the numbers tell a different story:

• Single women own more homes than single men. In 2022, single women owned 58% of homes held by unmarried Americans—while single men owned just 42% (Kiplinger / Pew Research Center).
  

• Women’s credit scores are on par—or slightly better—than men’s. In 2019, the average FICO score for women was 704, compared to 705 for men (Federal Reserve Bank / Investopedia).
  

• Women tend to curb spending more than men. While more women report difficulty saving, they are significantly less likely to splurge or go into debt from nonessential spending (LendingTree / U.S. Treasury).
  
  

Translation? Your relationship status is not the determining factor in your financial power.

3 Steps to Build Your Future Now

Before we dive into the “how,” let’s be real about the “why.”

Most of us didn’t wake up one day and decide to pin our entire future on a partner. We were trained to. From rom-coms to family advice, we’re told that having someone to split the bills, fix the car, or “make life easier” is the ultimate safety net.

So when we’re single, it can feel like we’re starting from behind. We might delay buying property, switching careers, investing, or traveling—because somewhere deep down, we’re waiting for someone to take those steps with us.

Here’s the truth: waiting costs you more than money. It costs you time, confidence, and opportunities that are yours for the taking right now.

1. Learn the basics — and own them.

If money talk feels intimidating, you’re not alone. Many of us were taught to budget for groceries but not for growth. But understanding the basics—budgeting, saving, and investing—gives you the clarity to make decisions from a place of choice, not fear.

The Proof: According to the FINRA Financial Capability Study, women consistently report lower financial literacy scores than men, but also higher willingness to seek professional guidance—meaning the gap isn’t about ability, it’s about access. Learning the basics is the first step toward flipping that script.

2. Build a “happy fund” — and use it.

We’ve been told to “save for a rainy day,” but rarely to save for the days that make us come alive. Whether it’s therapy, travel, a course, or a concert, joy is an investment in your emotional well-being. When you budget for joy without guilt, you send yourself the message: I’m worth it now, not someday.

The Proof: Research from PNC Bank shows that allocating even 5–10% of your budget toward personal enjoyment can improve long-term financial discipline—because you’re less likely to “rebel” against an overly restrictive plan.

3. Get financial therapy.

Money is never just math—it’s emotional. Maybe you avoid looking at your accounts because it feels like a grade on your life. Maybe you overspend to prove you’re “doing fine.” Financial therapy helps you untangle those patterns, release shame, and build a plan that feels good to follow.

The Proof: According to the Financial Therapy Association, working with a financial therapist can help reduce money-related anxiety and improve both short- and long-term financial decision-making by addressing the emotional and behavioral patterns driving spending and saving.

Your Future Doesn’t Wait—So Why Should You?

Partnership can be beautiful—but it’s not your only path to financial security or personal fulfillment. The minute you stop waiting for someone else to make life easier, you start building the life you actually want.

💡 Join Me Live: In my workshop Single, Empowered & Free, we unpack these beliefs and replace them with strategies rooted in autonomy, power, and community.
You’ll leave knowing exactly how to:

• Build a financial plan that doesn’t hinge on anyone else.

• Redefine your version of wealth and freedom.

• Take the first step toward your goals—now, not someday.
  
  Reserve Your Spot Here →www.hersoulsupply.com/masterclass